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Subject to credit approval. Certain restrictions apply. ¹Offer will be valid until April 30, 2020, and is only available for new accounts. It may not be applied in combination with other offers. Introductory APR of 0% for the first 15 months after opening your account for purchases and balance transfers made during the first 6 months after opening the account. After the introductory period, your APR will be 10.75% to 24.50%, based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be 17.25% to 24.50%, based on your creditworthiness at the time you opened your account. These APRs may vary with the market, based on the Prime Rate. Penalty APR of 29.99%. $0 Introductory Annual Fee for the first 12 months. After the introductory period, the Annual Fee will be $50. Minimum Interest Charge: If you are charged interest, the charge will be no less than $1.50. Balance Transfers, Cash Advance and Convenience Checks: 2% of the amount of each transaction with a $2.00 minimum and $10.00 maximum, for each one. Transaction fees for any transaction made in foreign currency or for any transactions made in US dollars processed outside the United States will be of 1.00% of each transaction in US dollars for Visa. This fee will be applied in addition to any other applicable fees. Subject to credit approval, and certain restrictions apply. The account must remain in good standing and be opened during the valid term of the offer in order to obtain these benefits. The introductory offer for balance transfers is subject to availability of funds in your credit line and cannot be used to pay, in full or partially, any debt with FirstBank. There are no grace periods on balance transfers. ²Visit http://www.rewardsfirstbank.com  for rewards program details. ³The offer of 5,000 points is broken down as follows: 1,500 points after you spend $1,000 in purchases within the first 3 months of opening your account, 500 points by subscribing online in http://www.rewardsfirstbank.com  within the first 30 days from account opening, and 3,000 points for a balance transfer within the first 3 months from activating your account. This offer is valid only for new accounts. The date of the transaction will determine if it will qualify for the offer. If there is a delay in the submission of the transactions from the merchants to us, or if the date of the purchase is different from the date the transaction was made, and is after the 3 months of opening your account, that purchase will not qualify for the offer. In addition, if you return your purchase, it does not qualify for the offer. ⁴Fraud alerts apply only for transactions considered suspicious or fraudulent. You can receive fraud alerts by e-mail and/or text message as long as we have your information registered correctly in our systems and your service provider has the service available. ⁵The Samsung Pay, Android Pay, and Google Pay services are subject to provider terms and conditions. For more information click here. ⁶Insurances and services offered directly by Visa. Visa is a commercial LAC region association registered trademark and is used by the issuer under license. ⁷The insurance products offered by FirstBank Insurance Agency LLC. do not represent a bank deposit, are not insured by the FDIC or by any other federal government agency, nor by FirstBank Puerto Rico, or any of its subsidiaries. Obtaining this insurance is optional and is not a condition to determine credit approval.​​ ⁸Priority Pass is an independent access program for participating VIP airport lounges.